PM Surya Ghar, step by step
Muft Bijli Yojana: up to ₹78,000 central subsidy + a collateral-free 7% loan for residential rooftop solar. Here's exactly how it works — and what we handle for you.
- Maximum
- ₹78,000 central subsidy
- Loan
- ~7% p.a. · up to ₹2,00,000
- Turnaround
- 4–8 weeks end to end
- Vendor
- SilInfra Solar — registered
- 1 kW system
- ₹30,000central subsidy, paid to your bank
- 2 kW system
- ₹60,000central subsidy, paid to your bank
- 3 kW + system
- ₹78,000central subsidy, paid to your bank
Subsidy is capped at the 3 kW slab — larger residential systems still receive ₹78,000. See your exact numbers →
Housing societies · GHS & RWA
Registered housing societies and RWAs get ₹18,000 per kW for solar powering common facilities — lifts, pumps, common lighting, even EV charging — for systems up to 500 kW(cap includes members' individual rooftop systems). Members can separately claim the individual slabs on their own flats' share. The calculator has a dedicated Housing society mode →
Legend · state top-ups
- Uttar Pradesh
- +₹15,000/kW (max ₹30,000) via UPNEDA — reimbursed after commissioning; limited to the first 1,00,000 installations.
- Maharashtra (SMART)
- +₹10,000–₹17,500 for eligible EWS/BPL households (~1 kW, under 100 units/month) via MSEDCL.
- Delhi
- +₹2,000/kW (max ₹10,000) plus a generation-based incentive of up to ₹3/unit on your bill.
Other states currently ride on the central subsidy alone; schemes change — we verify what applies to you during the free survey.
The 6-step application
- 01
Register on the national portal
Sign up at pmsuryaghar.gov.in with your state, DISCOM, consumer number and mobile. Takes ~10 minutes with a recent electricity bill in hand. (As our customer, we do this with you.)
- 02
Apply for rooftop solar & pick a registered vendor
Submit the online application and select a DISCOM-registered vendor — SilInfra Solar is a PM Surya Ghar registered vendor. System size is set by your consumption; the subsidy maxes out at 3 kW.
- 03
DISCOM feasibility approval
Your DISCOM checks the connection and sanctions the capacity — typically within 15 days. Nothing is installed before this approval.
- 04
Installation by the vendor
We install the plant with ALMM-listed modules and BIS-certified inverters (both are subsidy requirements), then register the plant details on the portal.
- 05
Net meter + inspection
The DISCOM installs a net meter and inspects the plant. After commissioning, the portal generates your commissioning certificate.
- 06
Subsidy lands in your bank account
Submit bank details + a cancelled cheque on the portal — the central subsidy is credited directly to your account, typically within 30 days of commissioning.
The SilInfra shortcut: as a registered vendor we run steps 1–6 for you — portal registration, DISCOM paperwork, net-meter application and the subsidy claim. You sign; we chase.
What a solar unit is worth in your state
Every unit you self-consume saves your provider's effective rate (energy charge + fuel surcharge + duty); surplus exports settle at a lower rate. Representative figures — your bill decides the exact rate.
| State | Providers (DISCOMs) | Effective rate ₹/unit | Surplus export ₹/unit |
|---|---|---|---|
| Gujarat | Torrent Power · Urban (GEB / UGVCL·MGVCL) · Rural (GEB / DGVCL·PGVCL) | 7.5–14.0 | ~2.25 |
| Maharashtra | MSEDCL (Mahavitaran) · Adani Electricity (Mumbai) · Tata Power (Mumbai) · BEST (Mumbai) | 8.7–13.9 | ~2.82 |
| Delhi | BSES Rajdhani · BSES Yamuna · Tata Power-DDL | 5.0–5.2 | ~2.00 |
| Rajasthan | Jaipur Vidyut (JVVNL) · Ajmer Vidyut (AVVNL) · Jodhpur Vidyut (JdVVNL) | 8.1–8.1 | ~3.26 |
| Karnataka | BESCOM (Bengaluru) · HESCOM / MESCOM / others | 7.0–7.6 | ~2.93 |
| Tamil Nadu | TNPDCL (ex-TANGEDCO) | 6.0 | ~0.00 |
| Telangana | TGSPDCL / TGNPDCL | 6.8 | ~2.00 |
| Andhra Pradesh | APSPDCL / APEPDCL / APCPDCL | 6.8 | ~2.09 |
| Uttar Pradesh | UPPCL (PuVVNL/MVVNL/etc.) | 6.2 | ~2.00 |
| Madhya Pradesh | MP Poorv/Paschim/Madhya Kshetra | 7.5 | ~2.14 |
| West Bengal | WBSEDCL · CESC (Kolkata) | 8.4–9.0 | ~0.00 |
| Haryana | UHBVN (North) · DHBVN (South) | 5.3–5.3 | ~0.00 |
| Kerala | KSEB | 8.8 | ~3.20 |
| Chhattisgarh | CSPDCL | 6.3 | ~2.00 |
| Odisha | TP Central/Southern/Western/Northern | 5.7 | ~0.00 |
PM Surya Ghar FAQ
- How much subsidy will I get?
- ₹30,000 for a 1 kW system, ₹60,000 for 2 kW, and ₹78,000 for 3 kW or larger. The subsidy is fixed above 3 kW — a 5 kW system still receives ₹78,000.
- Who is eligible?
- Residential consumers who own their house with a valid electricity connection and roof rights. The house must not have availed an earlier rooftop-solar subsidy, and the equipment must be ALMM/BIS-compliant, installed by a registered vendor.
- What documents do I need?
- Recent electricity bill, proof of ownership (property tax receipt / sale deed), a photo of the roof, Aadhaar, and bank details with a cancelled cheque for the subsidy transfer. Your vendor uploads the technical documents.
- Is there really a 7% loan?
- Yes — collateral-free loans up to ₹2,00,000 at ~7% p.a. for up to 10 years for residential systems up to 3 kW, available through most public-sector banks and linked from the PM Surya Ghar portal. The EMI is often lower than the electricity bill the system replaces.
- How long does the whole process take?
- Typically 4–8 weeks end to end: portal registration and DISCOM feasibility (~2-3 weeks), installation (2-3 days on site), then net-meter installation, inspection and subsidy disbursal (~2-4 weeks). SilInfra handles every step of the paperwork.
Send a surveyor to my roof
We measure the roof, read your last twelve bills, and come back with a sized system, a real yield figure and a price that does not move afterwards.
- Costs you
- Nothing — the survey is free
- Commits you to
- Nothing — walk away after the proposal
- Reply within
- One business day
- Have ready
- Twelve months of electricity bills